Navajo County Disaster Risk
Navajo County, Arizona
FEMA Risk Rating
Relatively Moderate
National Percentile
88th
of 3,144 counties
State Rank
#11
of 15 (1 = highest risk)
Flood Risk
90th
percentile
Hazard Risk Breakdown
Flood
River, coastal, and surface flooding risk
Moderate
Higher than 90% of US counties
Wildfire
Wildland and wildland-urban interface fire risk
Relatively High
Higher than 99% of US counties
Tornado
Tornado and severe thunderstorm risk
Very Low
Higher than 8% of US counties
Earthquake
Seismic activity and ground shaking risk
Moderate
Higher than 81% of US counties
Hurricane
Tropical cyclone and hurricane risk
Very Low
Higher than 0% of US counties
Risk Overview
About Natural Disaster Risk in Navajo County, Arizona
Navajo's risk moderately above average
Navajo County scores 88.07 on composite risk, landing in the relatively moderate category but still exceeding national averages. The rating reflects substantial wildfire exposure combined with meaningful flood and earthquake hazards.
Mid-range risk among Arizona counties
Navajo ranks fifth among Arizona's 15 counties with a score of 88.07, moderately above the state average of 84.45. The county sits squarely in Arizona's middle tier, facing meaningful but not extreme overall disaster exposure.
Similar risk to Santa Cruz County
Navajo's 88.07 score closely parallels Santa Cruz County (88.33) and falls below higher-risk neighbors Mohave (94.75) and Yavapai (93.73). The county experiences notably less extreme risk than Arizona's top three counties.
Wildfire and flood top the list
Wildfire risk reaches 98.79, making it Navajo's dominant hazard and among the state's highest. Flood risk at 89.50 and earthquake risk at 81.23 round out the county's significant exposure, while tornadoes (8.05) pose minimal threat.
Prioritize wildfire and flood coverage
Wildfire and flood damage are commonly excluded from standard policies; Navajo residents should obtain separate wildfire and flood insurance. Review your existing homeowners coverage to confirm these critical protections are in place.
Source: FEMA National Risk Index · Narrative reviewed by Evan Brooks, Data Editor
Preparedness Guide
What to Prepare for in Navajo County
Top Hazards by Exposure
Source: FEMA National Risk Index v1.19.0 · Percentiles are national (3,144 counties)
Risk Advisory: Navajo County
Risk Verdict
Natural hazard risk in Navajo County is higher than the majority of U.S. counties, with a national composite rank of 88th. Navajo County's elevated composite score reflects cumulative multi-hazard exposure; households should prepare for the county's two or three primary hazard types.
Hazard Breakdown
Wildfire risk is Navajo County's dominant natural hazard, ranked at the 99th percentile nationally under FEMA's National Risk Index. Flood ranks second at the 90th percentile nationally. Additional tracked hazards include earthquake (81th percentile), tornado (8th percentile), hurricane (0th percentile).
Preparedness Context
At the 99th percentile nationally for wildfire, Navajo County residents should verify whether their insurance policy includes replacement cost coverage for structures and whether the insurer still writes new policies in this fire-risk zone. Alongside wildfire, flood at the 90th percentile nationally means a multi-season preparedness mindset — fire season and flood or storm season often require different household plans. Local USFS or Cal Fire (where applicable) fire risk maps and seasonal Red Flag Warning alerts from the National Weather Service are two free resources Navajo County residents can use to stay ahead of rapidly changing wildfire conditions.
Regional Context
Navajo County's composite risk score is within 3.6 points of the Arizona county average — a close alignment that reflects a broadly representative hazard environment for this part of the state.
Is your household prepared for Navajo County's hazards?
Review FEMA's county-specific preparedness checklists and emergency planning guides.
Frequently Asked Questions
What is the natural disaster risk in Navajo County, AZ?
What types of natural hazards affect Navajo County?
How does Navajo County risk compare to the Arizona average?
Is Navajo County at risk for wildfire?
How is natural disaster risk measured?
Why is Navajo County higher risk than average?
Data Source
Risk data sourced from the FEMA National Risk Index (NRI). Risk scores are relative rankings (0–100) across all US counties — not absolute risk measures. Higher scores indicate higher relative risk compared to other counties.
Disclaimer: This data is informational only. It is not financial, insurance, or legal advice. Always consult a qualified professional before making insurance or real estate decisions.